Founded in 1991, Credit Express is a different kind of car dealership. It is designed to help those who have had some bad luck along the way. 

Bankruptcy, medical bills, divorce, no credit history, reposessed vehicles  or other life changing events can leave individuals with credit challenges that can be very difficult to overcome when it comes to buying a larger ticket item like an automobile. Credit Express  has been designed for customer success! Tell us your story and current situation and we’ll try to help.  

We provide our customers with affordable vehicles with payments that fit their budget and their schedule. That means monthly, semi-monthly, bi-weekly or weekly payments depending on what works best for you!

Credit Express is a part of the Harry K Automotive Group, a dealer group that has been family-owned and operated for over 35 years. Most “Buy Here, Pay Here” stores are not well-established or DON’T have the financial stability that a large dealer group offers. We’ve not only been around for a while, but we’ll be here for many years to come to help you. Our inventory is also much more extensive than most special financing stores because we can access inventory from three separate stores in two different communities.

Our business has been built on honesty, communication and respect; and we are much more interested in your future than we are your past. 

Contact us at 605-734-5363 or fill out the form below and get qualified.

Full Credit Application


Personal Information




Nearest Relative or Friend Not Living With You


Credit References


Co-Applicant Personal Info



What do you need to bring with you to purchase a vehicle?

  • Valid Drivers License
  • 5 References
  • Proof of Income
  • Current Phone Bill (Cell or land line)
  • Proof of Residence
  • Utility bill in your name at your address
  • Copy of lease or rental agreement
  • Proof of Full-Coverage Insurance
  • Down Payment
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